Josh Faulk - Superior Insurance Group

06/14/2026

This is such a great way to celebrate a special occasion.

Screaming happy birthday to this almost 😉 40 year old!!
Happy 40th Stacie!!!

05/30/2026

05/21/2026

05/15/2026

I recently had someone ask. "Why is an Independent Agency like yours better then a Captive Agency like Farm Bureau or State Farm?"

When the conversation is centered on what is truly best for the insured, especially in commercial property and casualty, the Independent agency model is hard to beat.

A Captive agency is limited by the products, appetite, pricing, and coverage options of one carrier. That structure can make it difficult to serve the insured’s best interest across the wide range of industries, business models, and risk profiles in the commercial space.

Independent agencies are able to compete across multiple carriers, compare coverage options, negotiate pricing, and find solutions that are better aligned with the specific needs of each business. In commercial P&C, that flexibility matters.

Another reason why you should consider Josh Faulk and Superior Insurance Group. We have the knowledge and experience to best serve you. We see insurance differently. 😉

05/14/2026

A great breakdown of all available resources for home buyers.

FHA, VA, USDA: which "alphabet loan" might be right for you?

MSHDA's MI Home Loan can ride on top of any of these federal loan types. Here's the quick guide:

FHA Loan — As little as 3.5% down with a 580 credit score. No first-time buyer requirement. Open to repeat buyers.

VA Loan — $0 down, no monthly mortgage insurance. For active-duty service members, veterans, National Guard, Reserves, and qualifying spouses.

USDA Rural Development Loan — $0 down for properties in eligible rural areas. Most of Midland County outside the city qualifies. Income limits apply. 2026 Midland County loan limit: $324,700.

Conventional (HFA Preferred) — 3% down with reduced mortgage insurance rates through MSHDA's HFA Preferred conventional loan.

Not sure which path fits? A local MSHDA-approved lender or our partners at Mid Michigan Community Action can walk you through it.

05/13/2026

Local code officials this week began voting on proposed changes to building codes. NAHB is asking members to share home builder positions on proposed changes with code officials.

05/11/2026

Proud to support the efforts of the 2026 Leadership Bay County Class!

05/08/2026

Love this! This will be great resource for those attending local trade schools.